/ PRODUCT — BSA FILING

From a spreadsheet to a filed CTR, with the receipt to prove it.

Upload your transactions, and BSA Filing validates them, assembles a batch of complete FinCEN CTRs, transmits it to the BSA E-Filing system, and brings the BSA IDs back — reconciling every row. No portal re-keying, no manual copying, no lost acknowledgments.

Schedule a demoSee the flow
Daily CTR batch · 3 CTRs · $58,000DRAFT
Upload
01
Validate
02
Generate CTRs
03
Transmit
04
Acknowledged
05
Amounts, dates, and coverage checked before anything is sent
One file
ONE BATCH
many CTRs at once
Every CTR
COMPLETE
all required parties
Direct
TO FINCEN
no portal re-keying
BSA IDs
RECONCILED
back to every row

/ HOW A BATCH IS FILED

Five steps, one afternoon.

01

Upload

Drop your transactions in from a spreadsheet — one row per CTR. Start from the template if you like.

02

Validate

Every row is checked before it goes: amounts, dates, coverage period, and addresses — with warnings that advise, not just block.

03

Generate

Assemble a batch of complete FinCEN CTRs — every required party and total in place, built to spec.

04

Transmit

Send the batch straight to the FinCEN BSA E-Filing system. Rows are recorded as submitted in the CTR list.

05

Acknowledge

FinCEN confirms acceptance, then returns BSA IDs that reconcile every row to acknowledged — or flag rejections.

01 / VALIDATE BEFORE YOU FILE

Catch it here, not at FinCEN.

The moment a file lands, every row is checked and previewed. Errors block the batch; warnings flag the judgment calls — like a cash-in at or under $10,000, or two rows for the same customer on the same day that should be aggregated per person, per day.

  • Amounts, dates, and addresses checked
  • One coverage period per batch
  • Aggregation-per-person-per-day warnings
Transactions: 3Total: $58,000Coverage: 07-15 → 07-15Errors: 0Warnings: 1
#CONDUCTORTXN DATEAMOUNT
1Doe, John A2026-07-15$15,000
2Smith, Jane B2026-07-15$28,000
3Ortiz, L.2026-07-15$15,000
!Row 3 · same customer & date as an earlier row — confirm it’s aggregated per person, per day.

02 / A COMPLETE CTR

One row becomes one complete report.

Each transaction is expanded into a full CTR — every party the report requires, the coverage dates, and the cash-in detail — assembled and totaled for you. Built right the first time, so it clears on the first submission.

  • Filed as an MSB, to the IRS
  • Batch totals computed for you
  • Your filer identity handled behind the scenes
One transactionOne complete CTR
REQUIRED PARTIES
Transmitter
Transmitter contact
Filing institution
Contact office
Transaction location
Person conducting

03 / STRAIGHT TO FINCEN

No portal, no re-keying.

The batch is sent straight to the FinCEN BSA E-Filing system — no copying files into a portal, no manual re-entry. Submitted rows land in the CTR list the moment they’re sent, and the whole exchange is logged for your audit trail.

  • No portal, no re-keying
  • Submitted rows recorded instantly
  • Test first, then go live
MSB
CONTROL
DIRECT TRANSMISSION
send · receive · logged
FinCEN
No portalNo re-keyingAuditable trail

04 / ACKNOWLEDGMENTS

The BSA ID comes back to you.

FinCEN answers back. Acceptance is confirmed in about five hours; the BSA IDs return two to three business days later. Both are tracked and reconciled to the right row — acknowledged, or flagged with the reason if rejected. Nothing stays stuck at “transmitted.”

  • Acceptance in ~5h · BSA IDs in 2–3 days
  • BSA IDs reconciled per report
  • Rejections surfaced with the reason
SubmittedT + 0
Batch sent to FinCEN
Accepted~ 5 hours
Acceptance confirmed
BSA IDs2–3 business days
One per CTR, returned
Reconciledautomatic
CTR list → acknowledged

/ EVERY BATCH HAS A STATUS

You always know where a filing stands.

draftgeneratedtransmittedacknowledgedrejectedfailed

A failed transmit can be retried in place; a rejection carries FinCEN’s reason. Downstream, each transaction moves from submitted to acknowledged or rejected with its BSA ID attached.

CASE STUDY

A Tuesday’s cash-ins, filed by Wednesday.

Three customers each brought cash over the $10,000 line on July 15. The compliance officer exported the day’s CTR-eligible transactions, dropped the file in, and cleared one aggregation warning. One click generated the batch — three complete CTRs, $58,000. It transmitted the same afternoon; FinCEN accepted it that evening and returned three BSA IDs two days later, each reconciled to its transaction automatically.

3 CTRs$58,000 total
1 clickspreadsheet → validated batch
~5 hoursaccepted by FinCEN
3 BSA IDsreconciled in 2 days
FILING HISTORY
DATEBATCHCOVERAGECTRSTOTALSTATUS
Jul 16, 2026July 15 batch07-15 → 07-153$58,000acknowledged
Jul 09, 2026July 8 batch07-08 → 07-085$71,400acknowledged
Jul 02, 2026July 1 batch07-01 → 07-012$29,000transmitted
Jun 25, 2026June 24 batch06-24 → 06-244$46,800rejected
CTRs FILED · TRAILING 12
1,040
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Jan

File your next batch from a spreadsheet.

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/ THE FILING DESK

Regulatory changes, before your examiner.

A short monthly brief on FinCEN guidance, enforcement actions, and AML practice for money services businesses.

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